Hello, I am happy to answer this question for you. I owe 9,000 on my China Merchants Bank credit card, but you have paid the minimum repayment of 3,000. This means that your current debt has been paid off. The minimum repayment is If the loan is paid off, it will not affect your credit score. Then you only need to pay off the remaining balance next month. If you are unable to pay off the balance next month, you can pay the minimum payment for the next month as you did in the current month. That’s it. This has no impact, I hope my answer can help you!